Social Security Break-Even Calculator

See how much bigger your check gets by waiting to claim — and at what age waiting pays off. Home equity can bridge income so you can delay.

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Your benefit at full retirement age (67)Monthly amount — find this on your Social Security statement.

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Claim at 62$1,680 /mo

Claim at 67 (full)$2,400 /mo

Claim at 70$2,976 /mo

62 vs 70 break-even age80 yrs

67 vs 70 break-even age82 yrs

Waiting from 62 to 70 increases the monthly check by roughly 77%. A reverse mortgage line of credit can cover expenses in the early years so you can delay claiming.

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Delaying Social Security past your earliest eligibility increases your monthly benefit up to age 70. The break-even age shows how long you’d need to live for delaying to win on total lifetime income.

A reverse mortgage line of credit can cover early-retirement expenses so you can delay and lock in a larger, inflation-adjusted benefit.